It is said that when you are old, people who can receive a pension are the happiest, but from my aunt's point of view, this is not the case.
My aunt just finished her retirement last month, and it can be said that she has completed a major life event, and she has been busy for most of her life.
My aunt got the opportunity to enter a state-owned enterprise after graduation because of her excellent Xi grades, but from state-owned enterprises to doing it herself, the bitterness of this journey can't help but be a little sad.
I have paid social security flexibly for 30 years, but I am really stunned by the pension I receive now.
At that time, my aunt was invited by a local state-owned enterprise, and at that time I really knew that this was a large textile factory, and the welfare was very good, because of the outstanding performance, I was once rated as a model worker, but because of the severe economic downturn, this textile factory did not escape the arrangement of fate, and after a large number of layoffs, my aunt was also laid off.
As a veteran employee who has worked for 7 years, my aunt was laid off and received compensation from the company, giving a compensation of 30,000 yuan.
Although there is no stable job, my aunt has not stopped, life has to go on, my uncle has no formal job, he doesn't earn much a month, and he has children to raise, so it didn't take long for my aunt to find a job in a private company.
In fact, when I first came to this company, my aunt successfully interviewed her, but this company has a bad thing, that is, it does not insure employees, but because the salary is relatively high, my aunt does not care about insurance.
After working in this company for 2 years, my aunt was a little anxious, why, I didn't think about the importance of insurance at that time, but I heard my colleagues say that insurance is very important, so my aunt also began to think about insurance.
Then my aunt discussed with her family, and if she couldn't do it, she would also take out insurance for herself, so she would be insured in the form of a flexible worker, but her family objected.
My uncle said that I had nothing to do to take out insurance, and I was afraid that no one would give you a pension in the future? I said so, but my aunt did not listen to the advice of the family, and my aunt went to the social security bureau to find out about the situation. After thinking about it, she still secretly paid the insurance herself.
Later, my aunt's company also faced closure due to poor management, and this time her career was coming to an end, but my aunt did not continue to look for another job, because she had saved some money in her hands over the years, so she made a decision and prepared to start her own business.
Because my uncle-in-law works in a garment factory, he doesn't earn much in a month, so my aunt's life is also quite stressful. Children are getting older day by day, some expenses in life are indispensable, and there are elderly parents to take care of.
My aunt also started her own entrepreneurial road, because her husband worked in a garment factory, and she was more good at clothing, so she decided to open a clothing store, and she did encounter a lot of problems at the beginning.
After so many years, plus the physical business has not been easy to do recently, and my aunt is also older, she has experienced ups and downs over the years, and after so many busy years, it is time to stop and rest.
In fact, when I paid social security that year, my aunt initially paid 60% of the lowest grade, and later because the business started, she went to increase the insurance to 200%. I thought that I would be able to receive more after I retired in the future.
My aunt is also of retirement age this year, and just last month, I accompanied my aunt to the Social Security Bureau to go through the retirement procedures and get the pension verification form.
My aunt and I were curious about how much pension we would receive after retirement, and only those who had been insured for more than 15 years and were at least 60 years old and eligible for retirement could apply for a pension.
Like my aunt, I have paid for 32 years, and I pay more than 1,000 yuan every month, as far as I know, the only person who can insist on paying for such a long time is my aunt, and we are all thinking that she will definitely receive a lot of pension.
But when we saw the pension verification form, we were dumbfounded, why only in the early 3000s, to be honest, my aunt was a little disappointed at the time, in order to figure out the details of this pension, we went to consult the staff of the Social Security Bureau.
It's really a specialization in the art industry.,When I asked, I found out that it was like this.,It's really a long sight for me.。 It is true that the aunt pays a lot of pensions, but the problem is that the full amount of the social co-ordination part is paid by the individual, accounting for 12%, and the other 8% is credited to the personal account. Although my aunt later raised the social security level to the grade, because the payment time was only a few years, it did not play a role at all.
After understanding, the stone in my aunt's heart was put down, and she didn't get too entangled.
People like my aunt who have good living conditions can say it, but if you don't have enough money, you must calculate carefully in paying social security, if you say that the income is not enough for living expenses, then it is really not recommended to pay social security.
Don't let your life be so tight for an insurance, if you break off the relationship later, or give up, then you can only get a part of it, for free and flexible employment to pay social security, a large part of the early investment will be wasted?
So what do you think about the payment of social security?